Blue Bay vs The Entrance: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Blue Bay and The Entrance are both Central Coast rates (OLG suburbs, sitting 63.1 km and 63.8 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $143 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Blue Bay
The Entrance
Annual cost breakdown
| Category | Blue Bay | The Entrance | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $4,658 | $4,515 | +$143 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $2,800 | $2,800 | - |
| Body corporate (unit) | $1,800 | $1,800 | - |
| Total (driving) | $10,212 | $10,069 | +$143 |
| Total (public transport) | $7,954 | $7,954 | - |
Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Blue Bay | The Entrance | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Blue Bay vs The Entrance (2026-27)
What the numbers show
Blue Bay and The Entrance cost within $143 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $1,639, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $143 per year. The Entrance is 63.8 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the two suburbs cost almost the same, $7,954 and $7,954 a year, so the $143 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates is identical at $1,454 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours The Entrance by $143 a year, $4,515 against $4,658.
- Building insurance is identical at $2,800 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
10-year cumulative cost projection
| Year | Blue Bay cumulative | The Entrance cumulative | Difference |
|---|---|---|---|
| Year 1 | $10,212 | $10,069 | $143 |
| Year 3 | $31,564 | $31,122 | $442 |
| Year 5 | $54,217 | $53,458 | $759 |
| Year 10 | $117,069 | $115,430 | $1,639 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Blue Bay or The Entrance cheaper to live in?
The Entrance is cheaper to run by car at $10,069 per year versus $10,212 for Blue Bay, a difference of $143 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Blue Bay and The Entrance?
Annual council rates for a house are $1,454 in Blue Bay (Central Coast rates (OLG) and $1,454 in The Entrance (Central Coast rates (OLG). Water and sewerage adds $1,300 in Blue Bay and $1,300 in The Entrance. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Blue Bay and The Entrance?
Annual driving commute costs are $4,658 from Blue Bay and $4,515 from The Entrance to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Blue Bay and $2,400 from The Entrance.
What is the 10-year cost difference between Blue Bay and The Entrance?
At 3% annual cost growth, Blue Bay costs a cumulative $117,069 and The Entrance costs $115,430 over 10 years by car. The cumulative difference is $1,639 in favour of The Entrance. Excludes purchase price, mortgage, and personal expenses.
Which of Blue Bay and The Entrance is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Central Coast rates (OLG and Central Coast rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost AI insurance estimates. Data updated July 2026.